PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kyger Creek

Cheshire, OH · Charter 96737

NCUA · 1 branch

Q2 2026

$20.9MAssets
$10.6MLoans
$16.9MShares
$4.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, down 17 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.60% of loans (-59 bps YoY).
  • Capital: net worth / assets of 18.92%, down 45 bps from a year ago.
  • Funding: loans stand at 62.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%-17 bps YoY

Net Interest Margin (YTD, annualized)

2.51%+6 bps YoY

Efficiency Ratio (YTD, annualized)

67.25%+238 bps YoY

Net Worth / Assets

18.92%-45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.87%0.97%0.86%0.78%0.70%-17 bps
Return on Equity4.49%4.90%4.43%4.01%3.71%-78 bps
Net Interest Margin2.45%2.57%2.45%2.52%2.51%+6 bps
Efficiency Ratio64.87%62.69%64.98%66.49%67.25%+238 bps
Growth
Asset Growth (YoY)1.53%1.32%4.32%3.77%6.70%+517 bps
Loan Growth (YoY)-0.81%-1.88%5.99%5.78%9.19%+1,000 bps
Share Growth (YoY)0.99%0.58%4.17%3.50%7.28%+628 bps
Asset Quality
Delinquent Loans / Loans1.20%0.79%1.04%1.04%0.60%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.37%19.81%19.36%19.36%18.92%-45 bps
Net Worth / Assets19.37%19.81%19.36%19.36%18.92%-45 bps
Liquidity & Funding
Loans / Shares61.73%62.58%62.45%60.74%62.83%+110 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps